I received an electronic acceptance from Agricultural Bank of China, and I have agreed to sign it, but it still shows the status to be signed, so I don't need to check it.

electronic bank acceptance bill

electronic bank acceptance bill is the inheritance and development of paper bank acceptance bill. There is no difference between electronic bank acceptance bill and paper bank acceptance bill in terms of bill rights and obligations. The difference is that electronic bank acceptance bill replaces the original paper physical bill in the form of data message, replaces the entity signature with electronic signature, replaces manual transmission with network transmission, and replaces manual writing with computer input, thus realizing the complete electronization of bill business processes such as issuing, circulation and payment. By adopting electronic signature and reliable security authentication mechanism, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risks of bills being cloned, altered, forged, lost and damaged. All bill behaviors, such as issuing, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount and rediscount, of electronic bank acceptance bills are carried out on the electronic commercial bill system, which can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively improve financial and commercial efficiency.

The longest bill period of electronic bank acceptance is extended from 6 months to 1 year, and the maximum bill amount is enlarged from 1 million yuan to 1 billion yuan. It has good liquidity and strong short-term financing ability, which is very helpful for group system enterprises to reduce financial expenses.

The successful launch of the electronic commercial bill of exchange system is another important measure of financial innovation.

Extended information: Endorsement

Endorsement of electronic bank acceptance bill refers to the act that the endorser of electronic bank acceptance bill delivers the electronic bill to the endorsee according to law. The electronic bank acceptance bill completes the bill circulation by electronic means, and the endorser of the electronic bank acceptance bill logs in through online banking, bank counters or other electronic terminals, enters the endorsement application information (including bill information, endorser information and endorsee information), and uses the digital certificate of the endorser to affix the electronic signature; Before the endorsee initiates a reply, both the endorser and the endorsee can operate the bill, the endorser can cancel the endorsement application, and the endorsee can reply (sign or reject) the endorsement application.

at this time, the system will handle it according to the principle of time priority: if the endorser cancels the endorsement application first, the endorsement application has been cancelled, and the endorsee can no longer reply to the endorsement; If the endorsee initiates an endorsement reply first, the endorsement application has been signed or rejected according to the meaning of the endorsee, and the endorser who accepts the electronic bank cannot cancel the endorsement application. E-banking acceptance and endorsement should be based on true and legal transaction relationship and creditor-debtor relationship, or on legal acts such as taxation, inheritance, donation and dividend distribution.

The following items must be recorded in the endorsement of electronic bank acceptance bills:

1. The name of the endorser;

second, the name of the endorsee;

iii. date of endorsement;

iv. endorser's signature.

if the "non-negotiable" item is recorded on the draft accepted by the drawer or endorser in the electronic bank, the electronic commercial draft may not be endorsed any more. After the bill is presented for payment, it may not be transferred and endorsed.